Lake Ozark ZIP Code List — Camden County, MO

There is one unique ZIP code in Lake Ozark, Missouri and it is 65049. Area code: 573.

ZIP codes

18.53

sq mi land

9.69

sq mi water

573

area code

Lake Ozark, MO ZIP code map

About Lake Ozark, MO

Lake Ozark, Missouri, is a vibrant city nestled in the heart of Camden County. Known for its picturesque scenery and recreational opportunities, it draws visitors from across the state and beyond. The city's charm lies in its mix of natural beauty and a thriving community atmosphere.

Location & geography

Geographically, Lake Ozark is located in central Missouri, making it a convenient destination for travelers. It is approximately 18 miles from Osage Beach, 15 miles from Camdenton, and about 23 miles from Lebanon. The city boasts a land area of 18.53 square miles, complemented by a water area of 9.69 square miles, featuring the stunning Lake of the Ozarks and surrounding rolling hills.

Community & economy

The community of Lake Ozark is characterized by its friendly residents and a strong emphasis on outdoor activities and family-friendly events. Industries here largely center around tourism, hospitality, and retail, catering to the numerous visitors seeking leisure and entertainment. Daily life is enriched by local festivals, fishing tournaments, and an array of dining options that highlight regional cuisine.

Transportation

Lake Ozark is conveniently accessible via U.S. Route 54, providing direct connections to surrounding areas. The nearest major airport is the Waynesville-St. Robert Regional Airport, located approximately 35 miles away. Public transportation options are limited, but the city is walkable and bike-friendly in many areas.

History

Founded in the early 20th century, Lake Ozark has transformed from a quiet lakeside community into a popular tourist destination. The area's economy initially thrived on logging and agriculture, but it has since shifted toward tourism and recreation, thanks to the development of the Lake of the Ozarks. Notable events include the annual Shootout boat race, which attracts racers and spectators from all over.

Did you know?

A surprising fact about Lake Ozark is that it is home to one of the largest man-made lakes in the United States, the Lake of the Ozarks, which spans over 54,000 acres. Additionally, the city is a hub for boating and fishing, making it a prime location for enthusiasts of aquatic sports.

ZIP codes for Lake Ozark, MO (1)

ZIP code	City	County	Map
65049	Lake Ozark	Camden	View map

Demographics & statistics

6,992

Population

50.0

Median age

$80,564

Median household income

$46,515

Per capita income

$322,100

Median home value

$924

Median monthly rent

77.8%

Home ownership

12.3%

Poverty rate

4.3%

Unemployment

7,537

Housing units

39.5%

Bachelor's or higher

Age distribution

Male Female

203

Under 5

205

128

5–9

129

166

10–14

167

237

15–19

239

143

20–24

144

411

25–34

414

278

35–44

281

351

45–54

354

346

55–59

349

263

60–64

266

615

65–74

621

295

75–84

297

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,376	19.7%
18 and over	5,616	80.3%
65 and over	1,918	27.4%
Median age	50.0 years

Race & ethnicity

White 94.5%

Black or African American 3%

Two or more races 1%

Hispanic or Latino 0.8%

Other race 0.7%

American Indian / Alaska Native 0.1%

Group	Count	%
White	6,659	94.5%
Black or African American	209	3%
Two or more races	71	1%
Hispanic or Latino	57	0.8%
Other race	49	0.7%
American Indian / Alaska Native	4	0.1%

Household income

Under $10k 2.3%

$10k–$15k 3.0%

$15k–$25k 7.7%

$25k–$35k 4.6%

$35k–$50k 11.1%

$50k–$75k 17.7%

$75k–$100k 14.7%

$100k–$150k 22.9%

$150k–$200k 7.2%

$200k+ 8.9%

Range	% of households
Under $10k	2.3%
$10k–$15k	3.0%
$15k–$25k	7.7%
$25k–$35k	4.6%
$35k–$50k	11.1%
$50k–$75k	17.7%
$75k–$100k	14.7%
$100k–$150k	22.9%
$150k–$200k	7.2%
$200k+	8.9%
Median income	$80,564

Housing

Home values

Under $50k 2.3%

$50k–$100k 4.2%

$100k–$150k 9.8%

$150k–$200k 11.0%

$200k–$300k 18.3%

$300k–$500k 31.5%

$500k–$1M 20.4%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$322,100
Median rent / month	$924
Owner occupied	77.8%
Renter occupied	22.2%
Vacant	63.4%
Single-family detached	47.9%
Large apartment buildings	6.9%
Mobile homes	0.2%
Median rooms	5.2
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.2%
2010–2019	4.5%
2000–2009	14.9%
1990–1999	15.0%
1980–1989	41.4%
1970–1979	19.6%
1960–1969	2.1%
1950–1959	1.7%
1940–1949	0.2%
1939 or earlier	0.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	2.5%
2 bedrooms	32.2%
3 bedrooms	46.4%
4 bedrooms	13.2%
5+ bedrooms	5.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	28.4%
2 vehicles	48.8%
3 or more	19.1%

Heating fuel

Fuel type	%
Utility gas	4.9%
Electricity	87.0%
Propane / LP gas	5.9%
Fuel oil	0.2%
Wood	0.9%
Solar	0.2%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	1,605	53.4%
Cohabiting couple	309	10.3%
Male householder, no spouse	409	13.6%
Female householder, no spouse	683	22.7%
Households with children under 18	607	20.2%
Households with seniors (65+)	1,149	38.2%
Average household size	2.27

Marital status

Status	Male	Female
Never married	25.1%	19.5%
Married	54.4%	57.5%
Separated	0.4%	1.3%
Widowed	3.4%	12.4%
Divorced	16.7%	9.2%

Education

Less than 9th grade 0.4%

Some HS, no diploma 4.4%

HS graduate 24.6%

Some college, no degree 17.5%

Associate's degree 13.6%

Bachelor's degree 27.1%

Graduate / professional 12.4%

Metric	%
HS diploma or higher	95.3%
Bachelor's or higher	39.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	118	8.7%
Kindergarten	68	5.0%
Elementary school	541	40.1%
High school	430	31.9%
College / grad school	193	14.3%

Employment

Industry of employment

Education & healthcare 20.7%

Finance & real estate 15.2%

Retail trade 14.2%

Arts, food & hospitality 11.6%

Professional & management 10.9%

Construction 8.9%

Manufacturing 6.6%

Public administration 4.4%

Other services 2.9%

Information 1.9%

Transportation & utilities 1.7%

Wholesale trade 0.7%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	41.9%
Service	14.8%
Sales & office	26.8%
Natural resources & construction	8.2%
Production & transportation	8.4%

Employment type

Type	%
Private sector	85.0%
Government	9.2%
Self-employed	5.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.9%
Carpool	5.0%
Public transit	0.0%
Walk	0.8%
Other means	2.2%
Avg commute (minutes)	23.1

Poverty

All people 12.3%

Under 18 years 17.2%

18 and over 11.2%

Married-couple families 5.8%

Female-led households 27.1%

Income support

Source	% of households
Social Security	39.0%
Retirement income	26.8%
Supplemental Security	4.3%
Cash public assistance	2.3%
Food stamps / SNAP	7.2%

Health indicators

Condition	%
High blood pressure	33.3%
High cholesterol	37.7%
Heart disease	8.0%
Stroke	3.4%
Asthma	9.1%
Arthritis	31.1%
Kidney disease	3.2%
Pulmonary disease	8.6%
Cancer	8.3%

Behavior / access	%
Binge drinking	16.9%
No physical activity	23.4%
Less than 7 hrs sleep	31.3%
Fair or poor health	15.1%
Poor mental health	13.9%
Poor physical health	11.6%
No health insurance	12.7%
Visited doctor (checkup)	76.6%
Visited dentist	63.0%
Cholesterol screening	91.2%
Teeth loss	13.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	643	11.4%

Disability	%
Any disability	13.6%
Under 18	3.0%
18–64 years	14.3%
65 and over	19.1%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	41.3%
Uninsured under 19	3.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,584	94.2%
Spanish	15	0.2%
Other Indo-European	15	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,953	99.4%
Born in same state	6,915	98.9%
Born in different state	4,129	59.1%
Foreign born	38	0.5%
Naturalized citizen	39	0.6%
Not a US citizen	16	41.0%

Ancestry

Ancestry	Count	%
Arab	1,028	14.7%
Italian	934	13.4%
French	803	11.5%
English	162	2.3%

Ancestry	Count	%
Dutch	65	0.9%
Polish	64	0.9%
Norwegian	18	0.3%
German	11	0.2%

Technology access

Metric	% of households
Computer access	43.0%
Internet access	96.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions

What is the ZIP code for Lake Ozark, MO?

Lake Ozark, MO has one ZIP code: 65049.

What is the main ZIP code for Lake Ozark, MO?

The primary ZIP code for Lake Ozark, MO is 65049. The city uses area code 573 for phone service.

What county is Lake Ozark, MO in?

Lake Ozark is located in Camden County, Missouri.

How many ZIP codes are in Lake Ozark, MO?

Lake Ozark, MO has 1 ZIP code.

What ZIP code covers the downtown Lake Ozark area along the waterfront?

Downtown Lake Ozark, including the main commercial waterfront district, is located in ZIP code 65049.

What is the ZIP code for Lake Ozark's residential neighborhoods near the Osage River?

The residential neighborhoods in Lake Ozark near the Osage River are served by ZIP code 65049, which encompasses the entire city.